Should You Buy Nubank Stock in 2025? All You Need to Know for PH Investors

What is Nubank?

How much is Nubank stock?

The price of Nubank stock is falling this week. As of the latest update, Nubank (NU) is trading at $11.99, marking a 2.12% decrease over the past 24 hours, with an annual gain of 12.35%.

The stock exhibits above-average volatility. This combination of rapid growth and higher volatility could appeal to PH investors seeking dynamic fintech sector exposure.

Our full analysis on Nubank stock

After an extensive review of Nubank’s most recent financial statements and a rigorous examination of its stock performance over the last three years, our team has integrated leading financial metrics, technical charts, real-time market data, and peer benchmarking through proprietary models. Nubank’s trajectory suggests the company is not only redefining financial access in emerging markets but is also positioning itself at the forefront of digital banking innovation. So, why might Nubank stock once again become a strategic entry point into the global fintech sector in 2025?

Recent Performance and Market Context

Nubank (NYSE: NU) has demonstrated remarkable resilience and agility, with its share price currently standing at $11.99 as of May 27, 2025. Over the past year, the stock has appreciated by 12.35%, outpacing many global fintech peers and highlighting sustained investor enthusiasm despite short-term volatility—signified by the most recent one-day move of -2.12%. The stock’s performance has remained robust within a 52-week range from $9.01 to a high of $16.15, illustrating both dynamic upside and strong market confidence in Nubank’s growth model.

Crucially, Nubank’s recent quarterly report revealed substantial progress across key metrics:

• Revenue growth: $3.2 billion for Q1 2025, climbing 40% year-on-year (FX-neutral basis)
• Profit before taxes: Reaching $795.1 million (up 62% year-on-year)
• Active customer acquisition: Now at 118.6 million, with 4.3 million new customers in Q1 2025 alone

Such robust fundamentals are further supported by an exceptionally favorable sector backdrop. Across Latin America, digital banking adoption rates rank among the world’s highest, and with an estimated 70% of the region still classified as “underbanked,” Nubank’s addressable market remains vast. Moreover, fintech valuations across global markets remain buoyant thanks to persistent low penetration of digital financial services, tailwinds in consumption-driven economies, and supportive regulatory trends—especially relevant for diversified investors from the Philippines seeking international exposure in sectors aligned with digital transformation.

Technical Analysis

In-depth chart analysis points to a stock poised for renewed upward momentum. The technical configuration as of late May 2025 is grounded in:

• Relative Strength Index (RSI) at 53.7, suggesting a balanced market with no signs of exhaustion or overextension in either direction
• MACD reading of 0.24, emitting a technical buy signal and hinting at renewed momentum
• 50-day moving average at $11.54, and trading respectably above its 200-day moving average—a classic bullish sign confirming medium-term trend strength

Notably, NU is oscillating within a rectangle pattern bounded by strong support at $9.29 and resistance at $13.45. Immediate supports at $12.59, $12.41, and $12.20 are critical, while technical resistance lies in the $12.87–$13.06 band, with $12.98 being a pivotal breakout level to monitor. This structure indicates a period of consolidation with the potential for a fresh bullish leg should macro or company-specific catalysts emerge.

Fundamental Analysis

Nubank continues to report metrics that define high-growth fintech operators:

• Revenue expansion has been a consistent narrative, with 40% year-on-year growth and a gross profit margin of 41%—far above legacy banking averages in the region.
• Profitability metrics highlight the company’s capital efficiency: profit before tax surged 62% year-over-year, while net income reached $557 million for Q1 2025.
• Valuation: With a P/E ratio of 27.27 and a price-to-sales (P/S) ratio of 7.02, Nubank trades at a premium relative to traditional banks. However, these are well justified by the company’s outsized growth profile, scalable low-cost digital model, and its ability to penetrate the large underbanked segments in Latin America.
• Structural strengths: Nubank’s continuous innovation is a key differentiator, leveraging a proprietary tech stack to launch new products (from digital wallets to insurance and beyond) while containing operating expenses. The power of its brand is increasingly evident in Mexico and Colombia, both high-growth markets.

International expansion and management continuity—under the stewardship of founder and CEO David Vélez—reinforce Nubank’s long-term growth prospects, especially with strategic ambitions to enter English-speaking markets and potentially shift its corporate domicile to the UK for enhanced global financial flexibility.

Volume and Liquidity

A major hallmark of large-cap conviction, Nubank boasts an average daily trading volume of 61.46 million shares, underlining sustained market interest and robust liquidity. Such volume ensures:

• Efficient execution even for larger trades
• Lower bid-ask spreads
• Reduced volatility spikes

The company’s relatively high float creates room for dynamic revaluations as new institutional or retail demand emerges—a pattern observed during prior positive earnings surprises and macro newsflow. This depth of liquidity substantially reduces execution risk for international investors, including those trading from the Philippine market via U.S.-listed ADRs.

Catalysts and Positive Outlook

Looking forward, numerous company- and sector-specific catalysts point to a favorable future:

• Product pipeline: Nubank is rapidly diversifying. Following earlier success with credit products and current-accounts, it is accelerating into insurance, investment products, and potentially even SME banking—a sector with enormous latent demand in Latin America.
• Geographic expansion: Beyond Brazil, Mexico and Colombia have already contributed meaningfully to growth. Strategic planning is ongoing to capture opportunities in the U.S. and other high-potential regions, leveraging the company’s agile digital infrastructure.
• Technology and ESG commitment: Continued investment in AI-driven risk management and digital onboarding reinforce both compliance and customer experience. Nu is increasingly aligning with ESG mandates—key for global capital flows—with digital financial inclusion cited as a major social impact initiative.
• Macro context: Digital banking’s penetration is accelerating globally. Latin America’s young demographics and increasing smartphone adoption—coupled with generally pro-fintech regulation—set the stage for multi-year expansion. Any contraction in traditional bank market share or further tightening of fintech regulations in regions like Asia or the EU could further redirect international capital toward best-in-class LATAM players like Nubank.

Investment Strategies

Nubank’s current setup appears attractive across multiple timeframes:

• Short term: Momentum indicators and MACD positivity make NU compelling for those seeking tactical upside plays. Immediate price action around support levels creates potential for near-term entries; a breakout above the $13.00–$13.45 resistance could see swift follow-through from momentum-driven traders.
• Medium term: Consolidation within a robust rectangle formation, combined with fundamental and product catalysts on the horizon (new launches, regional expansions, or regulatory wins), may set up a medium-term re-rating. Entry at or near the 50-day moving average appears well justified technically, with room to target the consensus analyst price objective of $15.13 (+26.19% upside from current levels).
• Long term: Nubank’s scale, brand, and deepening market penetration drive a compelling investment narrative for buy-and-hold investors. Its unique place as the dominant neobank in a high-growth region, coupled with prudent risk management and sustained headline growth, points to the potential for outsized value creation over a multi-year horizon. For globally-minded investors in the Philippines, NU ADRs can serve as a core holding to capture emerging market fintech secular trends.

Is It the Right Time to Buy Nubank?

Synthesizing the above, Nubank’s combination of sector leadership, operational excellence, and robust financial performance seems to represent an excellent opportunity, particularly as the stock consolidates and prepares for a potential break above key resistance levels. The fundamentals—double-digit revenue growth, a vast and expanding customer base, premium unit economics, and world-class management—justify renewed interest at current valuation levels, especially for investors seeking diversified global exposure outside the crowded U.S. and Asia fintech scenes.

Catalysts across technology, market expansion, and ESG alignment, coupled with strong technical support and sustained high investor engagement, suggest Nubank may be entering a new bullish phase. The company’s ability to consistently overdeliver on growth in a structurally underpenetrated market adds further conviction to the upside thesis.

For investors looking to align with the future of digital finance in emerging markets—and seeking growth assets that can complement a traditional portfolio—Nubank deserves to be considered as a top-tier candidate. As global digital transformation accelerates and Nubank continues to outpace traditional peers, the current setup shows all the hallmarks of a strategic entry point worth serious attention.

How to buy Nubank stock in PH?

Buying Nubank (NU) stock online has never been easier or more secure, especially for investors in the Philippines. By using a regulated online broker, you can access global markets and invest in NU stocks with just a few clicks. There are two main methods available: spot buying, where you own the shares outright, and CFDs (Contracts for Difference), which let you speculate on price movements with leverage. Each approach suits different investment goals and risk profiles. To get started confidently, it's important to compare the fees and conditions of various brokers—a comparison tool is available further down this page to help with your choice.

Cash Buying

Spot buying, or cash buying, means you purchase and own actual Nubank (NU) shares listed on the New York Stock Exchange in USD. This straightforward method is ideal for investors looking for long-term growth, as you directly benefit from any increase in the stock price and are entitled to all shareholder rights (though NU does not currently pay dividends). Philippine brokers offering US stocks typically charge a fixed commission per order, often between PHP 250 and PHP 450, or a flat USD fee (around $5 per trade).

Example

If the Nubank share price is $11.99 (about PHP 690*), with a $1,000 investment (approx. PHP 57,500), and a brokerage fee of $5 (PHP 288), you can buy around 82 shares ($1,000 / $11.99 ≈ 83 shares minus fee).

• Gain scenario: If the share price rises by 10%, your shares would be worth $1,100.
• Result: +$100 gross gain, for a +10% return on your initial investment.

*Conversion rate: 1 USD ≈ PHP 57.5 for illustration

Trading via CFD

CFD trading allows you to speculate on Nubank share price movements without owning the underlying stock. CFDs appeal to more active traders who want leverage. With CFDs, you can open a larger position than your capital would normally allow, but fees include spreads and overnight financing charges if you keep positions open daily.

Example

Suppose you open a CFD position with a $1,000 deposit and 5x leverage; your market exposure rises to $5,000. If Nubank shares climb 8%, your position gains 8% × 5 = 40%.

• Gain scenario: Your account would show a gain of $400 on a $1,000 stake (before fees).

Remember, leverage can boost gains but also increases risk—losses can exceed your initial investment.

Final Advice

Before investing, always compare brokers’ fees (commissions, spreads, financing costs) and trading conditions. Fees and platforms can vary widely, and a comparator is available further down this page to help you find the option best suited to your needs. Ultimately, whether you choose to buy Nubank shares outright or trade them via CFDs depends on your own financial goals, investment horizon, and risk tolerance. Both methods offer exciting prospects to participate in Nubank’s growth story from the Philippines.

Our 7 tips for buying Nubank stock

The latest news about Nubank

Nubank’s Q1 2025 results confirm robust revenue growth and customer acquisition momentum. In its most recent quarter, Nubank reported a 40% year-over-year increase in revenue (FX-neutral) to $3.2 billion, while net income reached $557 million. The neobank added 4.3 million new customers, expanding its user base to 118.6 million across Latin America. This strong financial performance, driven by both core banking services and expansion into investments and insurance, underscores Nubank’s capacity for scalable and profitable growth, appealing to analysts and global investors—including those in PH seeking exposure to high-growth fintech stocks.

Technical signals suggest a neutral to slightly bullish short-term outlook, with price momentum above moving averages. As of May 27, 2025, Nubank’s stock trades at $11.99, above its 50- and 200-day moving averages, signaling underlying strength. The 14-day Relative Strength Index (RSI) stands near neutral at 53.7, while the MACD indicator provides a mild buy signal (0.24). These technicals, coupled with the stock moving within a reliable support and resistance band, point to stabilized sentiment and the possibility of future upward moves, which is relevant for PH-based investors monitoring entry and exit timing in their international portfolios.

Analyst consensus maintains a ‘Buy’ rating with projected upside for Nubank shares. Market analysts have set a consensus price target of $15.13 for NU, implying a potential upside of approximately 26.19% from current trading levels. With a price-to-earnings ratio of 27.27 and a price-to-book of 6.87, Nubank is benefitting from investor confidence in its growth trajectory and efficient digital banking model. The sustained ‘Buy’ recommendation and broad analyst optimism may encourage PH investors considering NU stock as part of a globally diversified fintech allocation.

Nubank’s international expansion strategy—including prospective entry into new markets—reinforces long-term growth potential. Beyond its core presence in Brazil, Mexico, and Colombia, Nubank is actively contemplating expansion into the US and possibly other global markets. Management has also announced its intention to explore shifting corporate domicile to the UK, a move aimed at enhancing regulatory flexibility and supporting broader international ambitions. Such developments position Nubank as a fintech innovator with the strategic vision to tap wider addressable markets, a point of significant interest for PH analysts following global digital banking trends.

Nubank’s shares are readily accessible for Philippine investors and fit standard cross-border tax regimes. Nubank trades on the New York Stock Exchange, making it accessible to PH investors through international brokerage platforms. There are no special restrictions or barriers, and investments in NU stock are subject to the standard tax treatment applicable to foreign equities in the Philippines. As the country’s investing community increasingly seeks exposure to leading fintech disruptors, Nubank provides an eligible, credible, and high-growth option for local portfolios.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.